Redten Internet offer FREE computer woth £500 if you sign up for 3 years @ £19.99 pm!

dafftbint123

My agreement had clode retail fiance, V12 and Clode funding LTD. I guess they cant do as they call themselfs all three names on the agreement that I would copy the agreement to the court.

Ignite

Evening.

Just a point on legal requirements for you to add into any complaints to the OFT and Trading Standards, you are required by law to put your company information (registered address and company number etc) on your website. NJP does not have this on the NJP Services site (well I can't find this). http://www.out-law.com/page-7594

Add Clode Retail Finance to this as they do not use the term registered address anywhere. You need to state this.

V12 do state this so there is no excuse.

firstclassidiot

Clode Retail Finance
Son had incurred charges through a Clode Retail Finance Card for Manifesto the Clothing Shop.

Sent Data Protection Act letter and received the list of charges and transactions for returned D.D. and default penalty charges which amount to about £160.

Also included was a very detailed list of telephone calls and correspondence dates relating to Clode chasing up payments etc.

Could this list be construed as "manual intervention" or does the term only relate to a person actually doing something in relation to the returned payments. It all looks a pretty automated system to me but perhaps someone could advise

one of a number of complaints re Clodes operationsL

More on the Community section at moneysupermarket and consumeraction forums

FCI

firstclassidiot

Businesses requiring a licence

You are likely to need a licence if you want to:

• sell on credit
• hire or lease out goods for more than three months
• lend money
• issue credit cards or trading checks
• arrange credit for others
• offer hire purchase terms
• collect debts
• help people with debt problems
• advise on people's credit standing
• administer agreements (but do not collect debts) for creditors or assignees (from October 2008, you can apply for the licence from 6 April)
• help individuals to locate and correct records about their financial standing (from October 2008, you can apply for the licence from 6 April).

You are not likely to need a licence (unless you are a credit-reference agency) if:

• you only deaBusinesses requiring a licence
  
  You are likely to need a licence if you want to:
  • sell on credit
  • hire or lease out goods for more than three months
  • lend money
  • issue credit cards or trading checks
  • arrange credit for others
  • offer hire purchase terms
  • collect debts
  • help people with debt problems
  • advise on people's credit standing
  • administer agreements (but do not collect debts) for creditors or assignees (from October 2008, you can apply for the licence from 6 April)
  • help individuals to locate and correct records about their financial standing (from October 2008, you can apply for the licence from 6 April).
  You are not likely to need a licence (unless you are a credit-reference agency) if:
  • you only deal with limited companies
  • you are just accepting credit cards or trading checks issued by someone else (and you didn't introduce the borrower to them)
  • you are just allowing customers to pay their bills in four or fewer instalments within a year beginning on the date of the arrangement.
  Your licence must cover all the categories of credit activities that you plan to carry out. It is a criminal offence to carry out any activities that are not covered by your licence.
  All professions or trades are 'businesses' for licensing purposes. Even if you make no charge for services or are non profit-making, you may still need a licence.
  l with limited companies
• you are just accepting credit cards or trading checks issued by someone else (and you didn't introduce the borrower to them)
• you are just allowing customers to pay their bills in four or fewer instalments within a year beginning on the date of the arrangement.

Your licence must cover all the categories of credit activities that you plan to carry out. It is a criminal offence to carry out any activities that are not covered by your licence.
All professions or trades are 'businesses' for licensing purposes. Even if you make no charge for services or are non profit-making, you may still need a licence.

From V12 website ---

How will I know which finance provider my account will be with?
Once your finance application is approved, you will be able to download the finance agreement for your signature. If you already have an account, you will have received a Welcome Letter from the lender.

Clode are at it

FCI

firstclassidiot

Also check out the beaverbrooks site which also operates the same system as redten did. and identifies Clode Retail finance as the lender.

My finance documents identify Clode Retail Finance as a trading style of Clode Funding.

FCI

DISGUSTED1

Thanks dafttbint , unfortunately b.t failed to mention this option during my hour-long conversation with them last saturday! Were there any 'tag' issues on your line when you did your internal home move? Had Redscum/NJP already ceased providing through the original line ?

dafftbint123

DISGUSTED1 wrote: »

Thanks dafttbint , unfortunately b.t failed to mention this option during my hour-long conversation with them last saturday! Were there any 'tag' issues on your line when you did your internal home move? Had Redscum/NJP already ceased providing through the original line ?

I still had redten and my last login was 8th april at 10.05am! And its still active!!!!!

I lost service at 10am and was restored at 10.20.

Lots of kerchinging on the line but that went by lunchtime. In all a smooth changeover.

I was called to say the move was complete by the engineer that did it at 1pm. I did ask how it was done, he said we move you in the exchange so the old broadband was terminated and I wont get any problems.

They had to do a re-number so a void-number was used and my real telephone number was applied.

It can be done you need to speak to a senior customer services manager at BT to do it or ask in retentions.

I was going to go with virgin and told BT why and so gave me the choice to stay with BT and I did.

MyUserNamesTaken

Ignite wrote: »

Evening.

Just a point on legal requirements for you to add into any complaints to the OFT and Trading Standards, you are required by law to put your company information (registered address and company number etc) on your website. NJP does not have this on the NJP Services site (well I can't find this). http://www.out-law.com/page-7594

Add Clode Retail Finance to this as they do not use the term registered address anywhere. You need to state this.

V12 do state this so there is no excuse.

NJP does have it...

There's a link on the right hand side of the page to sign up for "max unlimited broadband" with fast4.If you follow that link, it takes you to the fast4 site. Hit the "contact us" link, and the info is on the left hand side of the screen.

Here: http://www.fast4.net/_files/contact.asp

Fast4
NJP Services Ltd.
61 London Road
Blackwater
Surrey
GU17 0AB



registered in the UK number 4375736

They don't state how much phone calls to the 0905 and 0906 technical helpline cost, mind.

firstclassidiot

essex_zx7r wrote: »

just spoken to the FSA and Clode are only regulated by them for Insurance sales, Clode Funding are an introducer for insurance products with Clode Retail fulfilling the agreements. Clode Funding are not allowed to sell insurance products, but they couldn't confirm if they were allowed to see Loan's. Referred me to the OFT, but also advised letting my case go to court and let the court decide..

Esex, from my reading of the court procedures and the law; if the defender thinks that someone else has an interest in being a defender to the claim it is for the defender to apply to have them included.

All the evidence suggests that Cloderetailfinance are the lender with clodefunding acting as the money processors. The logo and references are to V12Finance Clode retailfinance. They are registered at companies house for granting credit facilities. All communications are with Cloderetailfinance.

In fact my original invitation states that V12 Finance are providing the loan.

FCI

Kevindowns

Anybody else found this on NJP services Website
"Multiple threat detected"

Virus found HTML/Framer
Detected on Open

Picked up by Resident Shield alert (AVG)

Get messages on opening home page and moving within site.

Must be where all that spam is coming from!